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what is the best natwest savings account

If you’re asking “what is the best NatWest savings account?” in 2026, the strongest contender is usually the NatWest Digital Regular Saver , especially if you’re a new‑customer switcher or happy to save small amounts each month.

Below is a practical breakdown plus a quick‑glance table for comparison.

Which NatWest account gives the best rate right now?

  • NatWest Digital Regular Saver
    • Rate: Around 5.25% AER variable on balances up to £5,000 (very high vs other NatWest easy‑access options).
* **Restrictions:** You can normally save **£1–£150 per month** , and the account is only for digital access (via the NatWest app) and usually requires you to hold a NatWest current account.

* **Best for:** People who want an easy‑access, high‑street‑brand account and don’t mind drip‑feeding savings up to £5k.
  • New‑customer switcher offer (Reward/Select current account + Digital Regular Saver)
    • If you’re switching to NatWest, you can get up to £150 cashback plus a 7% interest rate for 12 months on a Digital Regular Saver, but only on balances up to £5,000 and subject to monthly limits.
* This makes it the **best‑rate NatWest option right now** if you qualify and are happy to meet the conditions (deposit threshold, using the app, etc.).

Quick‑view comparison table

Here’s a simplified snapshot of the main NatWest savings‑type options (rates approximate as of early‑2026):

Account type| Typical rate (AER)| Max balance that earns the top rate| Key restrictions / notes
---|---|---|---
Digital Regular Saver| ≈5.25% variable 14| Up to £5,000 47| Save £1–£150/month; app‑only; needs NatWest current account. 4710
Switcher “7%” bonus (Digital Regular Saver)| Up to 7% for 12 months on up to £5k 258| Up to £5,000 28| Only for new‑customer switchers; 1‑time 12‑month bonus; monthly deposit limit. 258
Easy‑access / Flexible Saver| Around 1% (lower) 110| Higher balances rewarded, but much lower rate 110| Fewer monthly limits; easy access; linked to current account. 10

When each NatWest account makes sense

  • You want the absolute best NatWest rate rn:
    Go for Digital Regular Saver , especially if you’re a new customer switcher on the 7% promotion. Just watch the monthly cap and remember the rate drops after £5k and once the bonus period ends.
  • You want simple, flexible saving with NatWest:
    A standard easy‑access/Flexible Saver is better if you want to park more than £5k or save lump sums without monthly limits, even though the rate is much lower.
  • You don’t want monthly caps or gimmicks:
    Consider fixed‑rate bonds or ISAs through NatWest or other providers; their best NatWest easy‑access rates still lag behind some top‑rate challengers in the market.

Quick tip for picking “best” for you

  • If you can only ever save £5k or less and are comfortable with a £150/month input cap , the Digital Regular Saver (plus 7% switcher if eligible) is currently the best overall NatWest savings account for rate‑hunting.
  • If you’re saving large sums or want no monthly limits , it’s usually better to spread cash across top‑rate fixed‑rate bonds or ISAs elsewhere, even if you keep a NatWest account for day‑to‑day banking.

Information gathered from public forums or data available on the internet and portrayed here.